Do I have to pay half the cost to repair my upstairs neighbour’s joists?

Property clinic: If the joists are considered communal areas, insurance may cover them

The joists between apartments are sometimes considered part of the building fabric in insurance policies

The joists between apartments are sometimes considered part of the building fabric in insurance policies

I live in a small development of just eight apartments. We manage the owner management committee (OMC) ourselves. We have two directors, and both live in the building; all but two of the units are owner occupied. The other two are rented out.

There are two floors – each has a private entrance, and there are no lifts or internal communal areas to maintain. We have a communal garden which is well maintained.

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